Which of the following is required to be licensed as an insurance producer?

To be licensed as an insurance producer, an individual must actively engage in the business of soliciting, negotiating, or selling insurance policies. This involves taking actions that directly lead to the sale or placement of insurance coverage. A salaried employee who advertises and solicits insurance fits this criterion since they are directly involved in promoting and potentially selling insurance products. The solicitation aspect is critical; without it, an individual may not need a producer's license.

The other scenarios do not involve the activities that necessitate a license. For instance, a person whose activities are strictly limited to producing insurance advertisements does not engage in the insurance transaction process that requires licensing. Similarly, a salaried employee whose role is confined to providing information for group insurance typically does not engage in sales or solicitation, thus not requiring a license. Lastly, an insurance company director focused on executive, administrative, and managerial duties would not usually engage directly with clients or the selling process, which again obviates the need for a producer’s license. Overall, the active engagement in solicitation and selling of insurance products is the key factor that validates the need for a license in this context.